Introducing White-Label App: Embed banking and lending with one line of code. Learn more.

Fully-featured embedded finance

Unit makes it simple to create personalized banking and lending that delights customers.

Banking-as-a-service platform

Accounts

Create accounts for businesses, sole proprietors, and individuals with unique routing and account numbers. Unit makes it simple by streamlining KYC/KYB, AML, fraud, application reviews, and other onboarding requirements.

Deposit Accounts

Individual Accounts

Coming Soon

Create bank accounts for individuals and sole proprietors with features that support cards, money movement, cash advances, ATMs, and more. Accounts can be used for different purposes including checking, savings, or tax.

Integrated with

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Business Accounts

Coming Soon

Create bank accounts for businesses with features that support cards, money movement, cash advances, ATMs, and more. Accounts can be used for different purposes including checking, savings, or tax.

Integrated with

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Joint Accounts

Coming Soon

Create bank accounts controlled by multiple individuals with features that support cards, money movement, cash advances, ATMs, and more. Accounts can be used for different purposes including checking, savings, or tax.

Integrated with

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Account Features

Unlimited Accounts

Coming Soon

Create as many accounts per customer as you need to support your business use case. Each account receives a unique account number and can be managed separately.

Integrated with

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Flexible Interest

Coming Soon

Enable customers to receive interest on their account balance. You can easily implement different interest for different customers, for example one amount for “VIP” customers and another for “standard” customers, including the ability to offer more interest than the bank provides.

Integrated with

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Tax Advantaged Spending

Coming Soon

Optimize your customers income by allowing them to spend on certain items tax-free. Unit allows for HSA, FSA, and HRA debit cards to be issued to customers accounts.

Integrated with

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Tax Management

Coming Soon

Create dedicated accounts used for tax management that can help independent workers and freelancers automate their taxes.

Integrated with

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Cards

Create cards for your business, individual, or joint account customers - while letting Unit manage disputes and compliance.

Cards

Charge Cards

Coming Soon

Create charge cards for your business and sole proprietor customers. Charge cards are cards with a credit limit that must be repaid in full every month. They are issued by Visa and can be used anywhere Visa is accepted worldwide.

Integrated with

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Debit Cards

Coming Soon

Create debit cards for your business, individual, or joint account customers. Debit cards are issued by Visa and can be used anywhere Visa is accepted worldwide.

Integrated with

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Physical Cards

Coming Soon

Issue physical cards with on-demand or custom designs created and shipped directly to your customers through a single API call.

Integrated with

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Virtual Cards

Coming Soon

Issue virtual cards, which are unique cards available to use immediately.

Integrated with

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Transaction Enrichment

Coming Soon

Receive clean and structured data for the merchant name, logo, website, location, and categories to create activity streams, reporting, analytics, and more.

Integrated with

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Card Management

Card Switch

Coming Soon

Make it simple for your customers to use your card with more of the places they shop and services they use. Enable customers to update the card information on file at merchants just by logging into that merchant.

Integrated with

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Flexible Cash-Back

Coming Soon

Build customized cash-back rewards using the card generated interchange. Unit provides interchange information on every transaction as well as simple controls to implement how much to distribute to each customer.

Integrated with

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Programmatic Authorization

Coming Soon

Automatically shift money between accounts on a purchase, restrict purchases to specific institutions, or more by automatically approving, declining, or adjusting debit card transactions based on whatever criteria you create.

Integrated with

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Add To Mobile Wallet

Coming Soon

Allow for more convenience and card usability by allowing customers to add their cards to Apple Wallet, Google Wallet, and Samsung Pay.

Integrated with

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Custom Designs

Coming Soon

Create a branded experience for your customers with custom card designs.

Integrated with

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Easy Activation

Coming Soon

Quickly onboard customers by allowing them to activate physical cards from within your product. Virtual cards are automatically activated.

Integrated with

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Card Controls

Coming Soon

Avoid customer service inquiries by allowing customers freeze and unfreeze cards, report cards as stolen, and set and change the PIN on their debit cards from within your product.

Integrated with

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Payments

Build in the ability to receive funds, make payments, and withdraw money; with fees you can implement on these activities. Unit’s built-in ledger gives you flexibility, control, and reporting with real-time data on every transaction.

Receive Funds

ACH Payments

Coming Soon

Allow customers to move funds between their accounts and any external bank account by receiving an ACH credit or originating an ACH debit.

Integrated with

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Direct Deposit

Coming Soon

Increase deposits and account usage by enabling customers to redirect all or a portion of their paychecks to be deposited into their account automatically.

Integrated with

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ATM Deposit

Coming Soon

Provide convenience to customers by allowing them to make deposits into their accounts at thousands of ATMs.

Integrated with

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Check Deposit

Coming Soon

Enable customers to instantly and conveniently deposit checks simply by uploading images of the front and back of the check.

Integrated with

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Checkout

Coming Soon

Easily create ecommerce and online payment experiences that help customers get paid by their customers directly into their accounts.

Integrated with

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Instant Funding

Coming Soon

Decrease your customer’s time-to-first-use by allowing customers to immediately fund their account using a debit card.

Integrated with

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Cash Deposit

Coming Soon

Provide convenience to customers by allowing them to make cash deposits into their accounts at the register of nearly 100,000 retail locations including Walgreens, Walmart, 7-Eleven, CVS, and more.

Integrated with

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Same-Day ACH

Coming Soon

All the benefits of a normal ACH transfer without the wait, transfers happen the same day.

Integrated with

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Book Payments

Coming Soon

Create free and instant payments within your organization. Book payments can be between customers, between accounts for one customer, between your operational accounts and customer accounts, or between your operational accounts.

Integrated with

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Wire Transfers

Coming Soon

Receive funds directly into your customers accounts via wire transfers (Fedwire) with just the routing and account numbers.

Integrated with

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International Payments

Coming Soon

Receive ACH and wire payments from across borders. Customers can access thousands of payment systems around the world for easy money retrieval.

Integrated with

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Early Payment Access

Coming Soon

Allow customers to receive money immediately for incoming ACH payments that have a settlement date that is in the future, such as paychecks.

Integrated with

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Send Funds

ACH Payments

Coming Soon

Allow customers to move funds between their accounts and any external bank account by receiving an ACH debit or originating an ACH credit.

Integrated with

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Same-Day ACH

Coming Soon

All the benefits of a normal ACH transfer without the wait, transfers happen the same day.

Integrated with

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Wire Transfers

Coming Soon

Allow customers to send funds directly from their accounts via wire transfers (aka Fedwire) with just the routing and account numbers.

Integrated with

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Book Payments

Coming Soon

Create free and instant payments within your organization. Book payments can be between customers, between accounts for one customer, between your operational accounts and customer accounts, or between your operational accounts. Unit also supports batch book payments to deliver multiple payments within the ecosystem in one API call.

Integrated with

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Send Checks

Coming Soon

Send physical checks directly from your product via an API call.

Integrated with

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Recurring Payments

Coming Soon

Create ACH and book payments that happen on a regular schedule, that repeat forever or until you specify they stop to build better subscription, saving, rent, and other types of routine payment experiences.

Integrated with

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Push To Card

Coming Soon

Instantly send payments simply by specifying the recipient's card information.

Integrated with

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International Payments

Coming Soon

Send ACH and wire payments across borders. Customers can allow their payments to be received at thousands of locations around the world.

Integrated with

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Fee-free ATMs

Coming Soon

Allow customers to withdraw money easily and fee-free with access to 55,000+ ATMs across the United States.

Integrated with

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Lending

Provide your customers with fast and seamless access to funds they need. Build flows that allow you to automate lending and getting paid back.

Charge Cards

Coming Soon

Create charge cards for your business and sole proprietor customers. Charge cards are cards with a credit limit that must be repaid in full every month. They are issued by Visa and can be used anywhere Visa is accepted worldwide.

Integrated with

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>

Credit-Building Cards

Coming Soon

Allow customers to build credit with a card and report activity to credit bureaus, while optimizing repayment and limits to minimize risk.

Integrated with

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Instant Payouts

Coming Soon

Give your customers access to earned revenue immediately, instead of making them wait days for payouts and settlement.

Integrated with

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Merchant Cash Advance

Coming Soon

Offer customers instant cash advances using information you have on their revenue and expenses, with the ability to set up automatic repayment. For example, give businesses a cash advance based on the recurring revenue you know they generate.

Integrated with

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Invoice Factoring

Coming Soon

Create new revenue streams while allowing your customers to access funds immediately for invoices that will be paid in the future. Simplify the experience and lower your risk by programmatically capturing repayment when your customer gets paid.

Integrated with

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Supply Chain Financing

Coming Soon

Create new revenue streams while allowing your customers to access funds immediately for purchase orders that will be paid in the future. Simplify the experience and lower your risk by programmatically capturing repayment when your customer gets paid.

Integrated with

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White-Label User Interfaces

Save engineering time and get to market quickly with our White-Label User Interfaces (UIs). Offer banking and lending in your brand with a no-code user experience or build with fully customizable, low-code, building blocks.

White-Label App

White-Label App

Coming Soon

White-Label App is the fastest and easiest way for software companies to launch branded financial features, with one line of code. White-Label App is a fully-featured web app that encapsulates backend code, frontend UI/UX design, optimal user experience, security, and compliance.

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Integrated with

White-Label Components

Card Management

Coming Soon

Launch faster by eliminating the need to build a card management experience. Allow customers to activate, add to mobile wallet, freeze/unfreeze their cards with a branded, responsive, and optimized user interface.

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Integrated with

Activity Stream

Coming Soon

Launch faster by eliminating the need to build an activity stream experience. Allow customers to view and filter all of the activities related to their cards with a branded, responsive, and optimized user interface.

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>

Integrated with

Book Payments

Coming Soon

Launch faster by eliminating the need to build a book payment experience. Allow customers to send money between accounts on your platform with a branded, responsive, and optimized user interface.

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>

Integrated with

Check Deposit

Coming Soon

Launch faster by eliminating the need to build a check deposit experience. Enable customers to instantly and conveniently deposit checks simply by uploading images of the front and back of the check.

View docs
>

Integrated with

ACH Payments

Coming Soon

Launch faster by eliminating the need to build ACH payment flows. Allow customers to move funds between their accounts and any external bank account by receiving an ACH debit or originating an ACH credit.

View docs
>

Integrated with

Application Form

Coming Soon

Launch faster by eliminating the need to build an application form. Onboard customers with a branded, responsive, optimized, and compliant application UI.

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Integrated with

Account Management

Coming Soon

Launch faster by eliminating the need to build an account management experience. Allow customers to view account information, balances, and documents with a branded, responsive, and optimized user interface.

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Integrated with

Activity Stream

Coming Soon

Launch faster by eliminating the need to build an activity stream experience. Allow customers to view and filter all of the activities related to their account with a branded, responsive, and optimized user interface.

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>

Integrated with

Statements

Coming Soon

Deliver custom branded monthly statements to your customers with ease. Our white-labelled statements are offered in HTML or PDF format as well as English and Spanish.

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Integrated with

Bank Verification Letter

Coming Soon

Create a better experience by providing customers with a branded letter confirming their account creation and details.

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Integrated with

Dashboard

Monitor and manage all your customer accounts, cards, transactions, and activities from the Unit Dashboard. 

Activity Monitoring

Coming Soon

Track, manage, and report on all of your customers' activities so your team can help your customers and see how your financial products are performing.

Integrated with

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Account Management

Coming Soon

Manage your customer’s accounts, freeze accounts, add authorized users, and update account information.

Integrated with

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User Permissioning

Coming Soon

Maintain the appropriate balance of collaboration and control while ensuring that your customer’s data is secure and protected with flexible user permissions for different roles.

Integrated with

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Single Sign-On

Coming Soon

Enhance security of your customer’s accounts and data by ensuring that only people within your organization are able to access the Dashboard.

Integrated with

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Support

Unit is here to help you succeed and scale. Our best-in-class engineering, compliance, and success teams are here to provide one-on-one support, guides, and best practices to help you launch and grow faster.

Dedicated Account Manager

Coming Soon

All Unit customers have a dedicated account manager and technical support from day one to ensure your success.

Integrated with

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Compliance Experts

Coming Soon

Our team of compliance experts are available to you to help you launch and scale. Focus your time and money on building differentiated products and experiences your customers love.

Integrated with

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Service Level Agreements

Coming Soon

For applications that require additional documentation and a manual compliance review, we guarantee to review them within 2 business hours of receiving documentation.

Integrated with

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Don't see a feature you need?

  1. Review the API documentation where we have complete details on the entire platform.
  2. Review our roadmap where you can see what we're building and provide us feedback.
  3. Give us feedback about what you're looking for.

Bring financial features to life and start building — today